Personal Checking Accounts

Five Star Checking

This is a non-interest bearing account. Avoid a low monthly service charge by maintaining a minimum daily balance of $100.00.

Other features include:

  • NO transaction fees for check writing or deposits

  • FREE Online Banking, Bill Pay, and Mobile Banking

  • ATM/MasterCard® Debit card eligibility

E-Account

This is a non-interest bearing account. There is no monthly service charge, and no minimum balance to maintain.  Requires a $30 opening deposit. Electronic statements are required.

Other features include:

  • NO transaction fees for check writing or deposits

  • FREE Online Banking, Bill Pay, and Mobile Banking

  • ATM/MasterCard® Debit card eligibility

NOW Personal Checking

Earn interest on your checking account balances and avoid a low monthly service charge by maintaining a minimum daily balance of $500.00, or by maintaining an average daily balance of $1500.00 or more.

Other features include:

  • NO transaction fees for check writing or deposits

  • FREE Online Banking, Bill Pay, and Mobile Banking

  • ATM/MasterCard® Debit card eligibility

Second Chance Checking

If you have been denied a checking account because of past problems with ChexSystems or TeleCheck, this account may be for you. Requires a $30 opening deposit.

Other features include:

  • NO minimum balance
  • NO transaction fees for check writing or deposits
  • FREE Online Banking, Bill Pay, and Mobile Banking
  • ATM/MasterCard Debit Card eligibility

Discretionary Overdraft Privilege (ODP) Service*

ODP is a service Peoples Bank offers to help cover inadvertent overdrafts that may occur on your checking accounts. Account owners should try and limit the use of ODP to emergency situations.

* Our Discretionary Overdraft Privilege (“ODP”) Service will charge your account up to a $27.50 per-item fee for overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. We may charge a fee of $10 if your account is overdrawn less than $10. If you do not restore your overdrawn account to a positive balance within 30 days of the date it became overdrawn, your account may be closed. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.